Asian Pacific National Bank: Yields and Funding Costs
Data as of · Call Report Schedules RI and RC-K How we update
What the bank earns on its assets, what it pays for its funding, and the spread between them. Net interest margin is the output of the two: it is the engine of earnings for almost every commercial bank.
The standout move of Q2 2026 was in Net interest margin: 0.38 percentage points higher than in Q1 2026, at 3.70%. Asian Pacific National Bank ranks 62nd of 114 California banks on net interest margin, in the lower half at 3.70% (Q2 2026). The median for banks in the < $100M asset tier is 3.89% on net interest margin. Asian Pacific National Bank sits 0.19 points lower, at 3.70% (Q2 2026).
Asset yields
| Line item | Q2 2026 |
|---|---|
| Yield on earning assets | 6.30% |
| Yield on loans | 7.44% |
| Yield on securities | 3.51% |
Funding costs
| Line item | Q2 2026 |
|---|---|
| Cost of funds | 3.02% |
| Cost of interest-bearing deposits | 3.44% |
| Cost of interest-bearing liabilities | 3.44% |
| Cost of borrowings | — |
Spread and margin
| Line item | Q2 2026 |
|---|---|
| Net interest margin | 3.70% |
| Yield to cost spread | 2.86% |
Interest income and expense
| Line item | Q2 2026 |
|---|---|
| Interest income on loans | $640K |
| Total interest expense | $343K |
| Interest expense on deposits | $343K |
Yields and Funding Costs trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Yields and Funding Costs by quarter
| Quarter | Yield on earning assets | Cost of funds | Net interest margin | Loans | Securities |
|---|---|---|---|---|---|
| Q3 2023 | 5.77% | 2.88% | 3.22% | 9.04% | 1.64% |
| Q4 2023 | 6.18% | 3.56% | 3.12% | 9.50% | 1.51% |
| Q1 2024 | 5.91% | 3.81% | 2.65% | 8.99% | 1.33% |
| Q2 2024 | 6.12% | 3.86% | 2.78% | 8.61% | 1.32% |
| Q3 2024 | 6.15% | 3.86% | 2.82% | 8.61% | 1.46% |
| Q4 2024 | 6.22% | 3.70% | 3.05% | 8.62% | 1.43% |
| Q1 2025 | 5.86% | 3.43% | 2.93% | 8.05% | 1.60% |
| Q2 2025 | 6.04% | 3.33% | 3.22% | 8.03% | 1.70% |
| Q3 2025 | 6.16% | 3.24% | 3.43% | 8.22% | 1.98% |
| Q4 2025 | 6.13% | 3.12% | 3.48% | 7.83% | 2.15% |
| Q1 2026 | 5.89% | 2.97% | 3.32% | 7.36% | 3.36% |
| Q2 2026 | 6.30% | 3.02% | 3.70% | 7.44% | 3.51% |
Asian Pacific National Bank yields and funding costs, all the way back
Yields and Funding Costs back to 2001 · peer percentiles on every line item · Excel export
Unlock Asian Pacific National Bank, freeSource: Call Report Schedules RI and RC-K, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full Asian Pacific National Bank profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 33013) · FFIEC NIC profile (RSSD 1462986)